 If you're in your 20s or 30s and you're just starting, and we've had some folks that have called in that were in their 20s or 30s, and it's okay to use a robo-advisor because you're just trying to get in the habit of saving money. But when you get into your 40s and your 50s and you're starting to look down the road, you need professionals that can reach out, be hands-on, and help create a plan for